Landscaping contractors face a wide range of liability exposures on the job, from property damage to third-party bodily injury. Whether working on residential lawns or commercial grounds, accidents can lead to costly claims and legal disputes. With Novatae Risk Group’s General Liability Insurance for Landscape Contractors, you can help your clients secure the protection they need through a reliable, competitive program backed by A-rated carriers.
This program is underwritten by Empire Underwriters and tailored to meet the unique risks associated with landscaping operations. It is ideal for agents and brokers seeking a dependable general liability solution for small to mid-sized landscape contractors. The program is available in most states and offers a minimum premium starting at $1,500.
To discuss your landscaping liability accounts, call our experienced brokers at 800-758-8113.
Program Overview
Novatae Risk Group provides access to a dedicated General Liability program that supports small to medium-sized landscape contractors with risk management and insurance solutions. Designed for businesses with less than $1 million in annual payroll, this program helps protect your clients from third-party claims arising from their day-to-day operations.
Target Risks and Eligible Operations
This program has a strong appetite for a wide range of landscaping-related businesses, including:
- Residential and Commercial Lawncare Services
- Residential and Commercial Landscaping
- Landscape Architecture
- Nurserymen and Gardeners
- Sprinkler Installation
- Sodding and Seeding Services
If you have a client who installs irrigation systems for residential homes or a small landscaping firm that services retail business properties, this program may be a great fit.
Coverage Features
- Blanket Additional Insured Endorsements
- Waiver of Subrogation
- Primary and Non-Contributory Wording
- Per Project Aggregate Limits
- Coverage for Subsidence and Prior Projects (with limitations)
These features are designed to meet the common contractual requirements your clients face when bidding on jobs, especially in commercial and municipal settings.
Submission Requirements
- Completed ACORD Applications
- 3–5 Years of Currently Valued Loss Runs
- Program-Specific Supplemental Application
- Pollution Application (if applicable to project)
Program Details and Availability
This program is available in the following states: AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, MO, NV, NJ, NM, NC, PA, SC, TN, TX, UT, VA, and WV. Novatae offers both admitted and non-admitted options, utilizing carriers rated as high as A-XV for financial strength.
The minimum premium begins at $1,500, making it accessible for smaller landscape operations looking to secure appropriate general liability coverage.
Why Work With Novatae Risk Group
As a trusted wholesale broker, Novatae Risk Group delivers specialized insurance solutions with a strong focus on underwriting integrity, speed, and service. Through our partnership with Empire Underwriters, we offer agents access to industry-specific general liability coverage designed to help landscaping clients meet contractual obligations and avoid uncovered exposures.
Need a quote for a landscaping contractor?
Email your submission to [email protected] or call 800-758-8113 to speak with an underwriter today.
Frequently Asked Questions
What types of accounts are a good fit for this landscaping liability program?
This program is best suited for small to mid-sized landscape contractors with under $1 million in annual payroll, including lawncare providers, sprinkler installers, and landscape architects.
Is this program available on an admitted or non-admitted basis?
Both admitted and non-admitted options are available, depending on the state and risk profile of the account. All carriers are rated A or higher.
What is the minimum premium for this program?
The minimum premium starts at $1,500, making it accessible for smaller contractors and start-up businesses.
What documents are needed to submit a new account?
Submissions should include completed ACORD applications, 3–5 years of loss runs, a supplemental application, and a pollution application if applicable.
Which states is this program available in?
The program is available in most states, including CA, FL, TX, GA, NC, and others. Please contact us to confirm availability in your client's state.
Need help placing an account? Connect with a market specialist.